What is the most common complaint against USA Service Finance LLC?

The most common issue consumers report about USA Service Finance LLC is "Written notification about debt", specifically "Didn't receive notice of right to dispute". This is based on 8 complaints filed with the CFPB.

Are complaints against USA Service Finance LLC increasing or decreasing?

Complaints against USA Service Finance LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is USA Service Finance LLC's reputation grade?

USA Service Finance LLC has a reputation grade of B (score: 63.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does USA Service Finance LLC respond to consumer complaints?

USA Service Finance LLC has a 100% timely response rate to CFPB complaints.

In how many states does USA Service Finance LLC operate?

USA Service Finance LLC has received CFPB complaints from consumers in 5 states, with the most complaints from Florida (2 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

USA Service Finance LLC - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Compiled by PlainCollector

Written notification about debt

5
False statements or representation

2
Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record usa-service-finance-llc USA Service Finance LLC

Grade B · 8 CFPB filings · 100% timely · lead issue: Written notification about debt · vol #2767 · compose #1970

VOL 8
GRADE B
12MO 0
STATES 5
TIMELY 100%
ISSUE Written notification about…
RANK #2,767
COMPOSE #1,970

Volume peers

Nearest volume peer: A+ Loans, Inc. (8 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

USA Service Finance LLC's 8 CFPB complaints sit next to A+ Loans, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Florida is the plurality state for USA Service Finance LLC (25.0%)

Volume rank #2,767 and composite rank #1,970 diverge by 797 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Florida 25.0%; Mid-band (15–30%) · 5 states with ≥1 filing
Seasonal peak: 2019-08 12.5%; 8–15% band · 1 filings
Divergent corpus ranks: #2,767 volume; #1,970 composite; Cleanest-composite ladder is 797 places better than volume

How does USA Service Finance LLC compare to its peers?

How does USA Service Finance LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

USA Service Finance LL… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-08 2025-03

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	5
False statements or representation	2
Took or threatened to take negative or legal action	1

Where do complaints against USA Service Finance LLC come from?

USA Service Finance LLC's own per-state count, not a national baseline.

Florida

2
Kentucky

2
Ohio

2
North Carolina

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for USA Service Finance LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 8.

4 peers

Know your rights before responding to USA Service Finance LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.